aj485’s Activity

Sat May 28

NL

Boards Post

aj485 replied to the Real Estate Inv. Trusts: REITs board. 1:52 PM

Re: Rising Rates

Odd how financials that should be helped by higher rates are up more than the broad market since the Fed released their minutes and REITs that are expected to be hurt by higher rates are up less than the broad market and even more interesting is [more]

Wed May 25

NL

Boards Post

aj485 replied to the FIRE Wannabees board. 1:34 PM

Re: Am I going about this right?

I stopped working September last year and plan to convert 20-30k into a Roth account this year from my 401k with little tax or penalty hit. 5 years from now that conversion will be available to withdraw penalty free.

For those [more]

NL

Boards Post

aj485 replied to the Real Estate Inv. Trusts: REITs board. 3:17 AM

Re: SSW-C

Yes I am aware of that. But so far Seaspan is not officially announced the redemption. The redemption date and the dividend you will receive will be different. Hate to say it, but you are factually incorrect.

I never said anything [more]

Tue May 24

NL

Boards Post

aj485 replied to the Real Estate Inv. Trusts: REITs board. 8:01 PM

Re: SSW-C

42% of shares are redeemed.

Actually 5.6 million (~42%) of the shares will be redeemed with proceeds from the original offering. In addition, there will be another $85 million used from the common share offering used to redeem more [more]

Mon May 23

NL

Boards Post

aj485 replied to the Foolish 401(k)s board. 12:26 AM

Re: New Employer - No Matching Funds

My question is, should I even bother enrolling in the 401k plan? I do not know what investment options are available to me, but if there's no matching funds, what's my incentive? Would a better alternative be to start a Roth IRA and pick whatever [more]

Fri May 20

NL

Boards Post

aj485 posted to the Credit Cards and Consumer Debt board. 9:56 PM

Real FICO score for free

There was a Forbes article today http://www.forbes.com/sites/nickclements/2016/05/20/finally-... that [more]

Tue May 17

NL

Boards Post

aj485 replied to the Buying or Selling a Home board. 8:25 PM

Re: ? Re paying off mortgage early

In fact, here is a thread indicating that the OP was in the process of getting the mortgage modified under HAMP about 2 years ago:

[more]

NL

Boards Post

aj485 replied to the Buying or Selling a Home board. 7:32 PM

Re: ? Re paying off mortgage early

My principal balance is $13,600. My interest rate is 2%. Right now my mortgage payment is $195 a month with $23 going towards principle.

Actually at a 2% interest rate you have $162 going towards principle if your balance is [more]

Sat May 14

NL

Boards Post

aj485 replied to the Credit Cards and Consumer Debt board. 10:03 PM

Re: Collection for a paid debt

Okay, not quite that clear cut. This is largely my fault for being stupid. While waiting for the MRI center and insurance to figure out and tell me my final responsibility, I let a bill for a whopping $12 languish. I was kinda waiting for a [more]

Tue May 10

NL

Boards Post

aj485 replied to the Retirement Investing board. 2:37 AM

Re: 401k plan options

I have a new employer which has not so great funds to choose from. There is no brokerage link, but the match is decent 4%. Any recommendations as to how to choose/invest in these funds. I'm fairly aggressive investor but realise that as I am [more]

Fri May 6

NL

Boards Post

aj485 replied to the Tax Strategies board. 4:13 PM

Re: RMDs and 401k's

I turn 70 1/2 in Oct 2018

Okay, so the first RMD from your IRA will be required for 2018. Since it is the first one, it can be deferred until as late as April 1, 2019 without triggering any penalties.

However, delaying the [more]

NL

Boards Post

aj485 replied to the Buying or Selling a Home board. 2:31 AM

Re: Short sale

Looking at properties tomorrow, one is a short sale. While I understand the basic principles of such, have a simple question as to the asking price. While below market value in some ways, probably not what we would want to take on the property [more]

Tue May 3

NL

Boards Post

aj485 posted to the Credit Cards and Consumer Debt board. 10:35 AM

Carrying a credit card balance? Beware

if you are getting a mortgage. (x-posted at Buying or Selling a Home)

Beginning June 25, Fannie Mae's credit scoring models will start including your "trended credit data" which shows not only your monthly credit card balances, but [more]

NL

Boards Post

aj485 posted to the Buying or Selling a Home board. 10:34 AM

Carrying a credit card balance? Beware

if you are getting a mortgage.

Beginning June 25, Fannie Mae's credit scoring models will start including your "trended credit data" which shows not only your monthly credit card balances, but also the payments that you make on [more]

NL

Boards Post

aj485 replied to the Buying or Selling a Home board. 9:45 AM

Re: First time landlord

You will probably get more answers to your questions at the Real Estate Investing board: http://boards.fool.com/real-estate-investing-113590.aspx

AJ

Mon May 2

NL

Boards Post

aj485 replied to the Tax Strategies board. 9:30 PM

Re: RMDs and 401k's

So, if I plan to just roll-over my 401k to my Trad IRA when I stop working; essentially I won't need to worry about the 401k for purposes of RMDs. It will just end up as part of the balance of the Trad IRA when I compute the RMD for that [more]

NL

Boards Post

aj485 replied to the Credit Cards and Consumer Debt board. 4:34 PM

Re: FICO Question

Two other revolving credit accounts (credit cards) are zero balance and idle, after having been paid off completely.

If you don't want those idle cards closed, I would suggest using (and paying off, of course) those idle cards every [more]

Sat Apr 30

NL

Boards Post

aj485 replied to the Bonds & Fixed Income Investments board. 1:54 PM

Re: Should I pay off mortgage?

I currently have a previous residence that is currently being rented out in AZ and only has 4 yrs of mortgage left. I plan to return and/or retire out there sometime in the next 3-6 yrs. (Maybe move back into the home and stay, or at least remove [more]

Fri Apr 29

NL

Boards Post

aj485 replied to the Tax Strategies board. 9:25 PM

Re: Loss of residence cap gains exemption on hom

If this helps at all, Maryland was our primary residence through all of 2012--it's just that the state has a provision for "part-year" residents and we took advantage of that for the last 45 days of 2012. Florida has been our primary [more]

NL

Boards Post

aj485 replied to the Tax Strategies board. 7:37 PM

Re: Loss of residence cap gains exemption on home

Because we retired to Florida in November 2011 and chose it as our primary residence, we will lose access to the "up to $500,000" cap gains exemption on our Chevy Chase, Maryland (a good market for real estate) home this [more]

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Boards Stats & Trivia

Big gold star, 5000 posts Feste Award Nominee! Old School Fool
Board Posts 8973
Recs Received 33017
People who have rec'd these posts 1545
Recs to Posts Ratio (last 30 days) 5.70
Threads Started 164
Threads Started Percentage 1.83 %
Most Frequent Board Credit Cards and Consumer Debt
Very First Post Re: Attention all Immigrants denied credit (6/17/1999)
Percentage of Posts Rec'd 92.01 %
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